Tel 0800 222 465
9am to 5pm,
Mon to Fri

Level 1
103 Carlton Gore Road


We communicate with you only by your personal email to process your application for a payday loan.

Payday loans NZ

There are several online specialist payday lenders in New Zealand. When you enter ‘payday loans nz’ into your search engine, you will be confronted with lots of choice and competition for your business.

SMARTCASH is the only New Zealand online specialist payday lender that lets you compare the rates and fees charged by different online payday lenders. We do this to show you that we offer the lowest online payday lending rates in New Zealand.

See for yourself.




with other specialist online payday lenders.


See if you qualify for a SMARTCASH loan today.


It takes less than 5 minutes. You are 60 minutes away from a cash loan approval.

What a loan from SMARTCASH costs you

At SMARTCASH we offer short-term loans online from $100 to $500. We arrange repayment of your loan to coincide with your paydays.

Our daily interest rate is 0.99% . If annualised, that equates to an Annual Percentage Rate (APR) of 361.5%, though you never pay that much as our loans are only for a maximum of 90 days. See the table above to compare us to other payday lenders’ rates. We charge a $25 loan establishment fee.

You pay nothing more to get your cash in your account on the day after your loan is approved.

We also offer cash in your bank account on the same day. However, we charge $10 for this service.

When you borrow from us, you must repay your loan within the number of your pay periods that you select. If, for any reason, you are having difficulty making your repayments it is important that you contact us as soon as possible to discuss further arrangements for your loan.

If we do not hear from you and you do not repay your loan on the agreed terms, you will be in default of the loan. You will be charged interest of 0.99% per day on the outstanding principal sum and fees, from after the loan expiry date until the loan is repaid in full. See our Terms and Conditions.

You must repay all outstanding amounts before you can apply for a new loan from SMARTCASH.

To help protect your good credit record it is very important that you repay our loan in full. Keeping a good credit history makes it easier for you in the future to borrow money from all lenders or purchase goods from retailers on lease or hire purchase.